What is Performance and Tuning Workshops Motor Trade Insurance?
Performance and tuning workshops motor trade insurance is a type of insurance that will cover you and any named employees for working on customer vehicles and doing all performance and tuning-related work.
Some motor trade insurance policies don’t provide the right cover for this type of work, which is why it’s always important to get specialised cover that’s ideally suited to your business type.
Tailoring policies to suit your needs is incredibly easy so you should have no problem finding insurance that’s perfect for your business. Keep reading for more information on performance and tuning workshops motor trade insurance.
What the experts say…
“It's vital to protect yourself and your business for the unique risks that come with running a performance and tuning workshop. Performance and tuning workshops motor trade insurance enables you to cover you and your employees for working on customer vehicles so you can operate your business with full peace of mind.”
– Ian Beevis, Founder of Clean Green Compare
What Does Motor Traders Insurance for Car Jockeys Cover?
Every business is different, but most car jockeys’ policies can include:
- Road risks insurance: Lets you legally drive and move customer vehicles on public roads and within private property.
- Public liability: Covers injury or property damage caused to customers or the public—vital for busy venues or events.
- Employers’ liability: Required by law if you have any staff—even part-timers or temporary workers.
- Premises and asset cover: Protects office equipment, radios, signage, or customer vehicles stored overnight.
- Money and keys cover: Insures you for loss or theft of customers’ keys and any cash handled as part of your business.
- Goods in transit: If you transport cars between sites (for example, moving vehicles between hotel and offsite parking).
- Legal expenses: Help with legal costs if there’s a claim or dispute.
- Personal accident and sickness: Provides financial protection if you or staff are injured at work.
Cover can be tailored to suit whether you run a single hotel valet service or manage a large team at multiple venues.
Additional Performance and Tuning Workshops Motor Trade Insurance
Below are some of the additional types of cover you can get with a performance and tuning workshops motor trade insurance policy:
If your premises were to be structurally damaged due to things like fire, flooding or vandalism, the repair costs would be covered.
You can also get cover for your tools and other equipment, which is very useful for performance and tuning workshops.
There are several types of liability insurance you can get included in your policy too, including public liability insurance and employers’ liability insurance.
If you were unable to continue running your business for a period of time, you’d be compensated until you could get back on your feet.
What's Not Covered By Performance and Tuning Workshops Motor Trade Insurance?
When you’re looking for performance and tuning workshops motor trade insurance, it’s a good idea to know what you’re not likely to be covered for so you don’t get any nasty surprises in the future. Below are some of the main exclusions:
- Personal use of customer vehicles: – You and the named drivers on the policy will only be able to drive customer vehicles in a way that’s strictly necessary for business use i.e. transporting them round your workshop or picking up or delivering them if this is a service you offer.
- Deliberate acts: – Any intentional, malicious acts of damage to customer vehicles or your premises, either by you or an employee, will not be covered by your insurance.
- Normal wear and tear: – Normal wear and tear to tools, equipment and parts won’t be covered under your policy either.
- Defective workmanship: – Any defective workmanship carried out on customer vehicles which results in damage or compensation needing to be paid usually won’t be covered.
It’s always recommended to check over the fine print of your policy so you’re fully informed about what’s covered and what isn’t.
Who Is Performance and Tuning Workshops Motor Trade Insurance For?
Some of the main types of motor trade businesses that can benefit from performance and tuning workshops motor trade insurance are:
- Dedicated performance and tuning specialists: If performance and tuning is the main focus of your business, then this type of cover would be ideally suited since it covers all the main risks associated with this type of work.
- Garages , body shops and MOT centres: Any businesses where repairs or upgrades are carried out on customer vehicles will also benefit from this type of insurance.
- Dealerships and auction houses: Although dealerships and auction houses don’t always work on customer vehicles directly, they can still benefit from some of the main types of cover found in performance and tuning workshops motor trade insurance.
Any types of businesses where work is carried out on cars and require cover for this would be ideally suited for performance and tuning workshops motor trade insurance.
Get Performance and Tuning Workshops Motor Trade Insurance Quotes Today
How to Get a Performance and Tuning Workshops Motor Trade Insurance Quote
The main steps involved in getting quotes are:
What Affects The Cost Of Performance and Tuning Workshops Motor Trade Insurance?
Below are the main things that will affect how much you pay for performance and tuning workshops motor trade insurance:
- Nature and size of the business: Things like the number of vehicles you handle, the volume of business and the number of employees you have will all be taken into account.
- Your premises: The size and type of premises you have as well as the security measures you have in place will affect what you pay for insurance too.
- Named drivers: The number of named drivers you add to the policy will certainly impact cost, as will their ages, experience and claims history.
- Your claims history: The claims history of your business, including the frequency and severity of the claims is something that insurance providers will also take into account when coming up with a price for your cover.
- The cover you opt for: You level of cover you take out, including any extras you decide to add, will have an impact also.
Comparing quotes is crucial when you want to save money since the price you’re quoted can vary significantly depending on the insurance provider.
How To Save Money On Performance and Tuning Workshops Motor Trade Insurance
Some excellent ways to save money on performance and tuning workshops motor trade insurance are:
If you follow the tips above, you should be able to make a good saving on performance and tuning workshops motor trade insurance.
FAQs – Performance and Tuning Workshops Motor Trade Insurance
What will performance and tuning workshops motor trade insurance cover me for?
It will allow you and your employees who are named in the policy to carry out all types of performance and tuning related work as well as being able to test drive them as needed, provided it’s purely for business purposes.
Why is the most useful type of additional cover for performance and tuning workshops motor trade insurance?
If you have any employees, then you’ll need to get employers’ liability insurance but you should also consider things like public liability insurance, premises cover and breakdown assistance.
Is it expensive?
The cost of cover will vary depending on the factors mentioned further up the page but as long as you’re over the age of 25 and have a clean driving and criminal history, you should be able to finding affordable cover.
How long does performance and tuning workshops motor trade insurance last?
Assuming you operate full time, a standard policy will cover you for one year. After this time you can choose to either renew your policy or look elsewhere.
